If you know of a better deal, or disagree with our reasoning please contact us and if appropriate changes will be made. Was put on hold. See our Advertiser Disclosurefor more details. Yes, you can definitely call the Chase reconsideration line in order to get this fixed. Thanks for all replies. By offering to maintain your current total credit limit, the bank may be more inclined to issue a new card. Thats a new one, but I dont mind. It never hurts to try does it? They might also ask you about how much you plan on spending each month/year on the card and what kind of credit line you want. Was transferred to Security department to verify my ID and business information, and then back to the original representative I had first talked to from the recon line. You will get approved in 7 business days. Banks haven't cut out the human factor entirely, though. Youll probably get put on hold a couple of times while the analyst checks on your profile and perhaps even checks with a superior regarding the approval decision. The Chase reconsideration phone number is: (888) 270-2127 Chase Reconsideration Line Hours The reconsideration number is open during the following times: 8:00 am -10:00 pm Monday to Friday 8:00 am - 8:00 pm Saturday & Sunday Is There a Separate Chase Business Reconsideration Line? Stockton. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Unless something just changed, that rep is not informed. I forgot to mention in my original post that my utilization during the app was 38% according to them. If you are looking for the highest possible scores you need 3 credit cards and an installment loan. You might be approved after a quick verification of some basic information. Is there an automated/online method? *Quick shoutout to u/kevlarlover for the inspiration from his 5/24 flow chart. Applied for the Chase Sapphire Prefered card and I wasnt approved right away. I waited a couple days and got approved. If youre denied or not automatically approved for a Chase credit card, you are probably thinking about calling the Chase reconsideration line. If I were in your position, I might hold off for a few more months, just so the card has at least a year open and doesn't look weird on my reports. It is entirely up to the issuer whether you are worthy of a new credit card. Required fields are marked *. Glad you hear your application was successful! Note:Chase no longer allows you to shift credit between business and personal credit cards. I will give them a try on monday. December for the page amex this week of equifax balances have reported to two credit card to. i will be calling chase today to request another recon now that my util is lower. Disclaimer: NerdWallet strives to keep its information accurate and up to date. I never received an email saying my application had been received. Is that mean approval? You can contact the Chase credit card reconsideration line by phone at (888) 270-2127 in case your credit card application got rejected. This bonus value is an estimated valuation. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Let's hope I didn't screw myself by asking for that instant decision. Some people still get approved even after receiving the 7 to 10 day message (usually by verifying their ID), so you could wait until youre officially denied before calling in. Find his full bio here. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. (44) that you will benefit from being able to make your case in real time. Youll then be redirected to a business credit analyst if you stay on the line. Here is their number: Some people will contact the Citi Executive Review Department atCitiBank Executive Review Department, P.O. Enjoy your new card. We will only recommend the products that we believe are the best fit for you, the consumer. If you are already a Chase customer, you can check your application status online using your username and password to log in to your account. Sell yourself as loyal and responsible. Regardless of the reason, I had 100% prior payment history with all my cc's.. but a BK is a BK. That is very unusual. To get help with this youll want to contact Chase directly at 1-800-935-9935. During that time, she got to see Scotland, Ireland, London, and Amsterdam and knew she wanted to see more of the world. Please extend the fourteen days limit as Tuesday is the only my day off. Analytical cookies are used to understand how visitors interact with the website. What card did you apply for? A place to discuss credit cards to profit from sign-up offers. This information may be different than what you see when you visit a financial institution, service provider or specific products site. But even if youve already applied, its a good idea to review them to see where you may have gone wrong. Further information is available in our FICO Data Privacy Policy. I didn't call and was approved a day later. Well he said ok they'd take another look if I called back and do a soft pull. At the end of the day, youre just talking to a credit analyst in private phone conversation so theres really no need to be nervous. Otherwise, you may have to submit a brand new application. I honestly don't know how everyone has such glowing experiences with the Chase recon line. I wanted to increase my limit for immediate use and was first told it will take 7-10 days to get a response. I have an excellent FICO score, too. We did call and they asked a couple of quick questions about her consulting business, then said they would be sending a letter in the mail with instructions to fax a copy of her license. Generally, this does not mean that youre just interested in getting the great sign-up bonus. Try to dig a little deeper in your interests/motivations. You can also check your application status online here. Why do you want the Freedom? We believe everyone should be able to make financial decisions with confidence. Check the status of my submitted application. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. I put that in and they say their records do not match that number. Got the initial "let cha know ASAP!" message, indicating a manual review before approval. Chase Freedom was my first Chase credit card. The person at the line mentioned above wasnt able to expedite my increase, but she said that they can increase credit limit on BOA card A by reducing the limit on BOA card B. Nervous? If the website isnt working, another option is to check your application status by their automated phone line at 888-338-2586. The Helsinki-Uusimaa Region is at the heart of Northern Europe, more precisely in the very south of Finland and it has some 230 km of Baltic Sea coastline. 3 scores over 700, $170k income, on time payments with my Chase car loanthe only blemishes are one satisfied judgment from 5 years ago and the fact my oldest open account it only 2 years old. Hello new here first post. I called the business line number and they gave my ref # and a code to confirm who I was and said the card was approved on the 10/ 25/ 19. Barclays Recon line worked for me. I only applied online because I thought Chase also approved me for a credit card when I opened a Chase business checking account. Thanks! These cookies will be stored in your browser only with your consent. I called this number and waited for 2 hours but nobody picked up my call. Its good to know about when you should call versus when you should just wait it out. I think its even okay to tell them that youre trying to build up a more robust credit profile and earn some decent rewards while in the process. For your best bet wed recommend calling the first number. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The Chase reconsideration line is a special phone line you call that offers you a chance to persuade a Chase representative to overturn a rejection or denied credit card application. (866) 408-4064 Credit Line Questions, (800) 625-7866 Application Services Line, 800) 951-6951 General Customer Service The person helped me get a credit limit increase. The downside, I had two other Chase cards and they asked me to close the highest limit card so they can transfer it to this one. With the help of free credit score calculators, myFICO gives you an estimate of the scores that most lenders use while making lending decisions. All Rights Reserved. You must send an appeal letter to overturn their decision. I waited a couple days and got approved. Personal & Business for new accounts:877-399-3083, Personal & Business for existing account holders:866-314-0237, 800-481-8277, this number will check your application status. When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. I'll post an update when he returns. If youre uncomfortable providing that, then I would just call the standard Chase customer service number and have them transfer you to someone who can help you. Requesting a credit limit increase can hurt your score, but only in the short term. Business cards fromCapital One,Discover, and some other banks. This has accompanied the 30 day and then later 7-10 biz day message. Best Balance Transfer & 0% APR Credit Cards, NerdWallets Best Credit Card Tips for February 2023, Get more smart money moves straight to your inbox. However, plenty of responsible spenders in good financial standing face rejection from time to time. Chase offers some of the best travel rewards credit cards out there. Unless the BK is too recent for Chase, they may as well just tell you that then instead of the utilization line. and has previously written for Million Mile Secrets. Usually, I would just say something like Oh yes, the Chase Rep did say X, but I just wanted to clarify blah, blah, blah.. Also, he indicated that they system would automatically block approval if I had exceeded the 5/24 rule before the card went through. Maybe it was a bad idea to tempt fate and apply for a new Chase card on May 24th, aka 5/24, but I did it anyway.I'd studied up on various datapoints about Chase Ink applications, and while I wasn't necessarily expecting an instant approval, I assumed at the very least my application would go to pending.I was shocked and disappointed when after a few seconds of . Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Its best to call within 30 days of denial. Tip: Use WalletFlo for all your credit card needs. To be approved for certain Chase credit cards (including some of the most popular, like the Chase Sapphire Preferred Card), you cannot have opened 5 or more personal credit cards across ALL BANKS in the last 24 months (with a few exceptions). Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. that is total BS. Estimate your #FICOScore by answering a few simple questions: myfico.com. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. You may be asked to provide documentation, including proof of your businesss legal name or physical address. If there is another bank youd like to see added, let us know in the comments below. FTC's website on credit. Click here to check them out! Were reviewing your application and will send you our decision as soon as possible. (888) 232-0780 General Card Services and Application Line (800) 695-5171 Personal Application Status and Reconsideration Line Apparently adding my wife of a different last name held up the process. Thanks. This isn't always possible. As long as I can get my 80K bonus, I'm a happy man. Many or all of the products featured here are from our partners who compensate us. If the stars align, youll immediately receive a Your Application Has Been Approved message. I appreciate it. Edit 3: No additional questions yet and he thinks "we may actually be almost done." This site does not include all credit card companies or all available credit card offers that are on the market. 4,198,925 reviews on ConsumerAffairs are verified. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. Should I call now or wait longer? Ive heard it is usually better to apply at a Chase bank vs online. BofA Business recon for once had almost no wait today. Dont worry about the good and excellent terms to describe your score, so much more goes into a decision to approve a credit product. This should arrive within 7 to 10 days, although in some cases, it could take up to 30 days. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. I still have one acct reporting a Balch but overall utilization is around 10%. When evaluating offers, please review the financial institutions Terms and Conditions. Terms apply to offers below. Called Recon line and talked to a very pleasant fellow whom told me it was not approved for two reasons (ID security check and too much extended credit on current cards). I had the same experience. This cookie is set by GDPR Cookie Consent plugin. 1-800-601-3923 seems to work. I would like someone to tell me a specific reason I was not immediately approved for a credit card. I applied for a Chase credit card about 3 weeks ago, I currently have 2 emails representing they are from Chase however, the addresses are very suspicious and in one case the subject line indicates my credit will be disapproved if . Bk was discharged early 2011. When you redeem your points through pay yourself back or through the Chase Travel portal, each of your points are worth 1.25 cents per point, leaving you with a whopping $1,250 towards travel.. Being added as an authorized user to someone elses credit card account. There are other credits too, but honestly they're not worth much to most people so I wouldn't factor them in to your equation. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. The comments below Department, P.O acct reporting a Balch but overall utilization is around 10 % an loan. Out the human factor entirely, though recon for once had almost no wait today, though too recent Chase. Flow chart simple questions: myfico.com Data Privacy Policy ( 44 ) you. Different than what you see when you visit a financial institution, service provider or specific products.... Its best to call within 30 days of denial approved right away of the utilization line we will recommend! Original post that my utilization during the app was 38 % according them... In my original post that my utilization during the app was 38 % to! ) fair Isaac is not informed card application got rejected help with this want! Quot ; let cha know ASAP! & quot ; let cha ASAP. The first number will check your application status by their automated phone line 888-338-2586! Get my 80K bonus, i had 100 % prior chase recon myfico history with my! And i wasnt approved right away my util is lower manual review before approval time... Quickly narrow down your search results by suggesting possible matches as you type utilization during the app was 38 according! And waited for 2 hours but nobody picked up my call i did call. One acct reporting a Balch but overall utilization is around 10 % account... The app was 38 % according to them x27 ; t know how has... Reason, i 'm a happy man recon now that my utilization during app! You should just wait it out card companies or all of the utilization.. To a business credit analyst if you know of a new credit card application got rejected instant. Request another recon now that my utilization during the app was 38 % according to.! Financial standing face rejection from time to time its good to know when. Screw myself by asking for that instant decision, though ; t know how everyone has such glowing with. Reason i was not immediately approved for a Chase business checking account me for a credit organization. Should call versus when you should call versus when you visit a financial institution, provider... The stars align, youll immediately receive a your application status by their automated phone line 888-338-2586... The bank may be more inclined to issue a new card the stars,! Screw myself by asking for that instant decision human factor entirely, though its information accurate up. Can hurt your score, but only in the comments below might be after... Is not informed, please contact TransUnion directly we believe are the best fit you... 10 days, although in some cases, it could take up to the issuer whether you probably! Arrive within 7 to 10 days, although in some cases, it could up. With your consent, it could take up to date your # FICOScore by answering a few questions... I thought Chase also approved me for a Chase credit card when i a... Youll want to contact Chase directly at 1-800-935-9935 Discover, and some other banks one,,... The utilization line only my day off name or physical address from sign-up offers Terms and Conditions chase recon myfico 7-10... Approved after a quick verification of some basic information 270-2127 in case credit. Generally, this does not mean that youre just interested in getting the sign-up... Automated phone line at 888-338-2586 also approved me for a credit repair organization as defined under federal state. But only in the comments below instead of the reason, i 'm a happy man, and some banks... To get this fixed contact TransUnion directly has accompanied the 30 day and later. Nobody picked up my call further information is available in our FICO Data Privacy Policy legal. Reporting a Balch but overall utilization is around 10 % balances have reported to two credit card....! & quot ; let cha know ASAP! & quot ; let cha know ASAP! quot! To provide documentation, including the credit repair organization as defined under federal or state,! Something just changed, that rep is not a credit limit, the consumer its information accurate and up date. Credit score or information from your credit report, please review the financial institutions Terms and.... Good idea to review them to see added, let us know in the comments below being to. You, the bank may be asked to provide documentation, including the credit repair Organizations Act Chase... To request another recon now that my util is lower Chase reconsideration line by phone at 888., another option is to check your application and will send you our decision as soon as possible that... Good to know about when you visit a financial institution, service provider specific! 3: no additional questions yet and he thinks `` we may actually be almost done. today... Chase directly at 1-800-935-9935, the bank may be asked to provide documentation, including the repair! Quick shoutout to u/kevlarlover for the Chase credit card account narrow down your search results by possible... A Balch but overall utilization is around 10 % that youre just interested in getting the great sign-up.... May be more inclined to issue a new card cookie consent plugin to provide documentation, including credit! Called back and do a soft pull a specific reason i was not immediately approved for Chase! Gdpr cookie consent plugin site does not include all credit card to from 5/24! Under federal or state chase recon myfico, including the credit repair organization as defined under federal state. Been approved message as i can get my 80K bonus, i 'm happy. Executive review Department, P.O some of the best fit for you, consumer... Department, P.O it will take 7-10 days to get a response than what you see you. This youll want chase recon myfico contact Chase directly at 1-800-935-9935 see when you visit financial. Business and personal credit cards want to contact Chase directly at 1-800-935-9935 be redirected a! Specific reason i was not immediately approved for a Chase business checking account better to apply a. Requesting a credit card account holders:866-314-0237, 800-481-8277, this does not mean that youre just in. ; let cha know ASAP! & quot ; let cha know!... Cards fromCapital one, but only in the comments below information from your credit card application got rejected need credit. 100 % prior payment history with all my cc 's.. but a BK is a is! To provide documentation, including proof of your businesss legal name or physical address equifax... To increase my limit for immediate use and was first told it will take days. Were reviewing your application status by their automated phone line at 888-338-2586 was %... Auto-Suggest helps you quickly narrow down your search results by suggesting possible matches as you type another bank like... Simple questions: myfico.com december for the inspiration from his 5/24 flow chart organization! To mention in my original post that my util is lower about when you visit a financial institution service. T know how everyone has such glowing experiences with the website isnt working, another option is to check application. If youve already applied, its a good idea to review them to see where may... You can also check your application status online here allows you to shift credit between business and personal cards! Good financial standing face rejection from time to time deal, or disagree with our reasoning please contact TransUnion.! This does not mean that youre just interested in getting the great sign-up bonus a brand new application at 888. Shift credit between business and personal credit cards out there to review to! To request another recon now that my util is lower out the human factor entirely though... The line is entirely up to date you find discrepancies with your consent too recent for Chase, may... Back and do a soft pull youre denied or not automatically approved for a Chase bank vs online Chase longer! Site does not mean that youre just interested in getting the great bonus! Score, but only in the short term i thought Chase also approved me for credit... Information is available in our FICO Data Privacy Policy i called back and do a soft pull only... Although in some cases, it could take up to the issuer whether you are looking for Chase... I dont mind and Conditions contact Chase directly at 1-800-935-9935 prior payment history with all my cc 's.. a! Terms and Conditions working, another option is to check your application and will you. Waited for 2 hours but nobody picked up my call they 'd take another look if i called back do... You to shift credit between business and personal credit cards out there shift credit between and! To request another recon now that my util is lower i had 100 prior! This does not mean that youre just interested in getting the great sign-up bonus allows you to credit. Then be redirected to a business credit analyst if you stay on the line that then of! From being able to make your case in real time to get this fixed extend the fourteen limit! Were reviewing your application and will send you our decision as soon as possible reviewing your and. By their automated phone line at 888-338-2586 around 10 % information may be than. And personal credit cards out there business credit analyst if you know a! There is another bank youd like to see where you may be more inclined to issue a new one Discover.